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U.S. Mint Return Qustion

How long does it take to get a refund from the U.S. Mint ? This is on a debit card, but I would think it would be the same as a credit card, as it carrys the "Visa" logo.

Then, I understand the buyer now has to pay postage on the return trip. You used to be able to call the 1 800 Mint number and they would mail you out a R.M.A. kit with a shipping label, with free postage.

Thank You in advance for your help. image
I am looking for any PCGS MS 70 Silver Eagle.

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